Key Highlights of SBI PRIME Credit Card

Below are the key highlights of SBI Card PRIME:

• The joining and annual fee is just Rs. 2,999* + taxes each.
• The annual fee is waived off on minimum annual spending of Rs. 3 Lakhs.
• Earn 10 reward points on spending per Rs.100 on dining, groceries, departmental stores & movies.
• Welcome e-gift voucher worth Rs. 3,000 from top brands.
• Get 1% fuel surcharge waiver on the transaction value of Rs. 500 to Rs. 4,000 across all petrol pumps.
• 8 complimentary visits per calendar year (maximum 2 visits per quarter) to domestic lounges in India. * Renewal Fee of 2,999 + taxes waived off on reaching annual spends of 3 lakh.

SBI PRIME Credit Card Features and Benefits

Welcome Gift

• Welcome e-gift voucher worth Rs. 3,000 from top brands.
• You will receive an SMS to choose from e-voucher options from Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra.com within 15 days of annual fee payment.
• The e-voucher will be sent to your registered mobile number or e-mail ID within 5 days of the request.

Reward Points

• 10 reward points on spending per Rs.100 on dining, groceries, departmental stores & movies.
• 2 reward points on spending per Rs. 100 on all other retail categories except fuel.
• You can pay your card outstanding with reward points.
• 4 Reward Points = Rs. 1.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on the transaction value of Rs. 500 to Rs. 4,000 across all petrol pumps.
• GST, extra, as applicable will be charged.
• Maximum surcharge waiver available of Rs. 250 per month, per statement cycle.

Milestone Benefits

• Get a Pizza Hut e-Voucher worth Rs. 1,000 on achieving milestone spends of Rs. 50,000 in a calendar quarter. The e-Voucher will be sent to your registered mobile number.
• The renewal fee is waived on annual spending of Rs. 3 Lakhs.
• Get an e-Gift voucher worth Rs. 7,000 from Yatra.com or Pantaloons on achieving an annual milestone spending of Rs. 5 Lakhs. You will receive an SMS to choose the e-Gift Voucher option.

Trident Privilege Membership

• Complimentary Trident Privilege Red Tier Membership.
• 1,000 Welcome Points on registration.
• 1,500 Bonus Points on the first stay & an additional Rs. 1,000 hotel credit on an extended night stay. Use Promo Code SBITH.
• 10% instant savings on bookings through the hotel website
• 10 points for spending every Rs. 100 (excluding taxes) during stay at participating hotels. The offer is valid for Primary Cardholders only.

Club Vistara Membership

• Complimentary Club Vistara Silver membership.
• Get 1 Upgrade Voucher.
• The offer is valid for Primary Cardholders only.

Lounge Access

• 4 complimentary visits per calendar year (maximum 2 visits per quarter) to International Priority Pass Lounges, outside India.
• 8 complimentary visits per calendar year (maximum 2 visits per quarter) to domestic lounges in India.
• Call 1860 180 1290 or 39020202 (Prefix Local STD code) to receive your Priority Pass.
• The offer is valid for Primary Cardholders only.

Birthday Benefit

• Birthday Benefit
• Reward points on Birthday spends (one day before, on the birthday and one day after) are capped at 2000 reward points per calendar year.

Contactless Advantage

• With ContactLess Advantage you can transact with your SBI Card without physically handing over the card. Just wave your card at a secure reader to transact.

Global Acceptance

• The SBI Card PRIME is accepted at over 24 million outlets across the globe, inclusive of 3,25,000 Indian outlets.

Fraud Liability Cover

• SBI Card PRIME holders can avail complimentary insurance cover against accident and card fraud.
• Rs. 50 Lakhs Air Accident Liability Cover.
• Rs. 1 Lakh Credit card Fraud Liability Cover.
• Report card loss at the SBI Card helpline 1860 180 1290 or 39 02 02 02 (prefix local STD code) within 2 -7 days.

Add-on Cards

• With SBI Card PRIME, you can request add-on cards for 2 members above 18 years of age of your family.

Easy Bill Pay Facility

• All cardholders can conveniently pay utility bills for electricity, telephone, mobile, etc using the Easy Bill Pay facility.

Flexipay

• Flexipay on SBI Card PRIME offers you the flexibility to convert spends of Rs. 2,500 or more into easy monthly instalments (EMIs).
• Within 30 days of the purchase, you can request Flexipay by logging into the website.

Balance Transfer on EMI

• The balance transfer facility empowers you to transfer the balance of your other credit cards to SBI Card PRIME at a lower rate of interest and affordable EMIs

SBI PRIME Credit Card Fees and Charges

• Joining fee: Rs. 2,999 + taxes.
• Renewal fee: Rs. 2,999 + taxes.
• Add-on card fee: Nil.
• Finance charges: 3.50% per month (42% p.a.).
• Cash advance fee: 2.5% of transaction amount or Rs. 500 (whichever is higher).
• Cash payment fee and Cheque pickup: Rs. 250 + applicable taxes.
• Late payment charges
• NIL for the total amount due from Rs. 0 - Rs. 500
• Rs. 400 for the total amount due above Rs. 500 & up to Rs. 1,000
• Rs. 750 for the total amount due above Rs. 1,000 & up to Rs. 10,000
• Rs. 1,100 for the total amount due above Rs. 25,000 & up to Rs. 50,000
• Rs. 1,300 for the total amount due above Rs. 50,000
• Payment dishonor charges: 2% of the payment amount (minimum Rs. 500).
• Rewards redemption fee: Rs. 99.
• Card replacement: Rs. 100 to Rs. 250.
• Cheque payment fee: Rs. 100
• Processing fee on all rent payment transactions: Rs. 199.
• Over-limit fee: 2.5% of over limit amount.
• Dynamic currency conversion markup fee: 3.50%

SBI Card PRIME Eligibility Criteria

The basic eligibility criteria to be fulfilled to get approved for the SBI PRIME credit card are:

• The applicant should be a salaried employee or a self-employed individual.
• The age of the primary applicant must be between 21 years and 70 years.
• The applicant must have a stable income source
• The credit score of the applicant should be 750 or above

Eligibility for Self-employed Applicant

• Proof of identity: Aadhar Card, PAN Card, Voter ID Card, Driving Licence, etc. (any one).
• Proof of address: Aadhar Card, Driving Licence, Utility Bills, Passport, etc. (any one).
• Proof of income: Last 3 months’ bank statements, salary slips of last 3 months, or latest audited ITR.

How to Apply for the SBI Card PRIME?

You can apply for SBI Card PRIME through any of the following ways:

• Offline: Visit the nearest SBI branch and fill up the credit card application form or call on the SBI helpline number.
• Online: Through the bank’s official website or YONO mobile app.
• Visit the official website of SBI.
• Go to the ‘Credit Cards’ section and select the SBI Card PRIME option
• Then click on the ‘Apply Now’ button.
• Proceed further by filling in all the required details.
• Click on the ‘Credit Cards’ tab on the homepage of our website.
• Enter all the required details, such as your name, mobile number, email address, employment information, income details, etc.
• Verify your mobile number by keying in the OTP received on your number.
• You will get a call from our credit card expert to help you complete the credit card application process.